Life cover rejection

When my dad passed on in May 2021, my mom and I went to claim as they both had life cover and both my mom and I were beneficiaries. To our surprise, Sanlam refused to pay out my dads life cover claiming that he’s did not state that he had diabetes and hypertension as stated in his medical certificate, even though he died of covid and not diabetes and hypertension. According to my mom, the sales person who sold them the cover, did not mention that they needed to produce a medical certificate, this was only requested after we went to claim. We’ve since wrote to numerous people in Sanlam including their lawyers and till date, the claim request was rejected. We did not even get a refund for all times we’ve been paying for the life cover. How pathetic